4 PILLARS DEBT RELIEF SPECIALIST
- ■ 97% of families successfully complete the plans we create and become debt free.
- ■ On average, our clients have been able to eliminate 80% of their debts.
- ■ Our plans are 100% legal and have helped thousands of families and individuals.
- ■ We Support local financial literacy initiatives and offer education to families in debt.
4 Pillars Victoria, Chris Grew
3 EASY STEPS
FOCUSED STRATEGIC PLANS TO HELP YOU BECOME DEBT FREE
The goal is to help get you out of debt as soon as possible, help get you into a payment plan you can easily afford, and help protect your assets. After reviewing your current financial situation, we outline a personalized plan to meet the immediate short-term needs of dealing with your debt that fits your long-term financial goals
RESTRUCTURE YOUR DEBT
Our role is to represent you, and structure a new affordable payment plan to deal with your debt, either through a comprehensive budgeting program, sourcing reasonable finance options that make sense for you, or if required through a filing with a Licensed insolvency trustee. What is a trustee you may ask? A trustee is an officer of the court who acts on behalf of the creditors in a fiduciary capacity. The role of the trustee is to investigate the debtors financial situation and to ensure that the debtors rights are not abused while also protecting the rights of your creditors. The trustee cannot act as your financial advocate to help get you the best possible outcome and their fees are a tariffed based percentage of what they collect on behalf of your creditors. In saying all of that, we believe it to be imperative that you obtain your own representation in any major financial decision. If carefully structured with your best interests in mind, a proposal to creditors will usually repay a portion of what you owe, often eliminating up to 80 per cent of debt.
RE-ESTABLISH YOUR CREDIT RATING AS YOU ACHIEVE DEBT FREEDOM
Building cash savings and gaining an understanding of how to build / maintain a good credit rating are the cornerstones of any successful plan to deal with debt. Once you have the new plan in place, those will be the next items we discuss with you. We help you understand your credit report, the importance of maintaining a strong credit profile, how to effectively manage credit, and therefore keep yourself out of debt for good.
Our Debt Repayment Calculator will help you determine how long it
will take for you to pay off all of your outstanding debt. Simply enter
in your current debts and an expected monthly payment or a desired
pay off time frame to see how much time and money you could save.
IMAGINE A DEBT-FREE FUTURE
97% of families successfully complete the plans we create and become debt free.
Debt can be a symptom of any number of problems and life circumstances: a struggling or failed business, reduction in working hours, a drop in sales commission, divorce or separation, injury or illness, or simply previous poor financial decision making and bad advice coming home to roost.
It’s important to understand that you are not your debt. Like millions of Canadians, you may have a debt issue. But with timely counselling, a solid debt restructuring plan, plus immediate credit rebuilding, you can move on from your debt, wiser, financially solid and fortified against ever going into debt again.
At 4Pillars, We Work For YOU
Chris Grew and his Victoria team work exclusively for you, not your creditors.
Many people are not aware that non-profit credit counselling societies receive 70% or more of their funding from credit card companies, banks, and other creditors. Since they are primarily funded by creditors, it is their interest that they protect. While they are non-profit, they do charge monthly fees to the Debtor. It is essential to have someone on your side, who is working for you and your long term interests, while you go through this process. The decisions you make will have a long term impact on your life. At 4Pillars, our only focus is our clients.
* I was very hesitant contacting 4 Pillars at first. I am so happy that I did. My first meeting with Kyle was awesome! He is very kind, patient and he explained the many questions I had. He explained the whole process and helped me determine which route to take. No pressure at all! Definitely a huge weight has been lifted off my shoulders. The credit counselling at Fresh Start BC is even better, as it’s helped me to make a budget and stick to it. Heck, I’m managing to save money now 🙂 Staff at both organizations are extremely nice and helpful. Recommend highly!! Lori S.
* Chris Grew and his team have been great to work with. Gord A.
This letter is to thank the service of the 4pillars Consulting Group and Chris Grew on the fantastic work he has done on my behalf to settle my debt and provide me with the tools I need to rebuild my credit and secure my financial future.
When I first contacted Chris he agreed to see me for a free consultation. At this time my wife was already in Bankruptcy and working with a Trustee. We were scared, frustrated and disappointed with the lack of support she gave us. We received very little information and were told that the only choice my wife had to deal with her debt was Bankruptcy. It became very clear to me that the trustee wasn’t working for us at all but against us and for the creditors. This is when I decided to seek other options for myself in dealing with my debt.
My first meeting with Chris was great. He provided me with lots of information, explained different options that were available to me and made me feel like my situation was not as bleak as I thought. I felt like he really cared about me. It felt good to know that he represented me and NOT my creditors and would fight for the best settlement I could get.
I let some time lapse after that first meeting and other than an email or two, I didn’t hear from Chris. He told me that my decision was mine alone and that if I wanted to work with him it would be up to me to initiate the contact. While I put off dealing with my situation I was notified by my employer that they had received a Garnishment order from one of my creditors and that my next pay cheque would have $600 taken from it. In a panic, I called Chris.
Within a two week period he put together everything I needed to file a Consumer Proposal and have the Garnishment halted before it had even begun. Even with all his other clients, he made me feel like I was his only client. He was worth every penny of the fees he charged me and saved me ten times what he cost.
Having witnessed firsthand how my wife was treated by a Bankruptcy Trustee and how I was treated by 4Pillars I can tell you it makes all the difference in the world having someone in YOUR corner.
Without Chris’ follow up, attention to detail and amazing work ethic, I would not have the peace and security I have right now.
I would like to say a big thank you Chris Grew and 4 Pillars.
I would recommend him to anyone who is going through financial hardship because of debt. Darcey S